What Is Your Relationship With Your Future Self?

Most of my financial planning clients feel strongly that they are willing to forgo present consumption for the sake of future consumption i.e. they are willing to make sacrifices now to ensure a financially secure retirement for themselves in the future. However, a few have no desire to make this sacrifice and simply don’t feel […]

Are We Just Naked Apes?

While on a scuba diving course last weekend I was told, quite correctly, that in the marine world we are guests, and as over 70 percent of the world’s surface is covered by water it’s presumptuous of us to call the planet ‘earth’, rather than say, ‘oceania’. The instructional video also talked about our delicate […]